The Biden Administration Should Bolster Predatory Loan Protections

By Human Rights Watch

Click to expand Image A manager of a financial services counts cash being paid to a client as part of a loan in Ballwin, Missouri on August 9, 2018 © 2018 Sid Hastings/AP Images Millions of people in the US do not have enough money to cover basic needs and may be forced to turn to so-called payday lenders – short-term, small-dollar lenders who charge interest rates that can exceed 390 percent – to survive. Borrowers often have to take out another loan to cover the first because of the extortionate interest rates and fees. This is the “debt trap” at the heart of the business model that…

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